BlastPoint's Banking Scorecard

Constitution Bank, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 16276

Hillsboro, IL

14 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +3.4% year over year ($618.6M on the books).
Delinquency rate 0.63%.
Return on assets 1.13%.
Efficiency ratio 53.57% vs a 64.48% peer average.
Loan-to-deposit ratio 78.43% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Constitution Bank, National Association has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 10.91% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 38.5% in tier
- Capital Thin: Bottom 40.5% in tier
- ROA 0.19% below tier average
- Net Interest Margin 0.29% below tier average

Get updates when Constitution Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$683.1M +4.6% YoY +0.6% QoQ	+$296.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 13.5% in tier
Total Loans ?	$485.2M +4.8% YoY +3.2% QoQ	+$226.8M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 12.9% in tier
Total Deposits ?	$618.6M +3.4% YoY +0.4% QoQ	+$291.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 10.9% in tier
Return on Assets ?	1.13% +15.9% YoY -6.2% QoQ	-0.19%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	43%
Net Interest Margin ?	3.70% +12.3% YoY +1.2% QoQ	-0.29%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	53.57% -3.9% YoY +1.0% QoQ	-10.91%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.63% +203.1% YoY +23.4% QoQ	-0.29%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	78.43% +1.3% YoY +2.7% QoQ	+0.48%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	14.18% -4.3% YoY +0.3% QoQ	-7.85%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.44% +203.5% YoY +26.5% QoQ	-0.22%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	10.17% +7.1% YoY +0.8% QoQ	-5.74%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 12.7% in tier
Non-Interest Income / Assets ?	0.17% -8.7% YoY +113.5% QoQ	-0.40%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	14.2% -0.6pp YoY 0.0pp QoQ	-8.0pp	22.1%	20.1%	22.2%	21%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	6.5% +0.2pp YoY -1.1pp QoQ	-5.1pp	11.6%	14.7%	12.5%	29%
CRE	69.6% +1.1pp YoY +2.5pp QoQ	+30.1pp	39.5%	37.9%	41.4%	93%
1-4 Family	12.7% +0.5pp YoY -0.7pp QoQ	-19.9pp	32.6%	28.3%	31.3%	15%
Consumer	1.2% -0.3pp YoY -0.1pp QoQ	-2.9pp	4.1%	5.4%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	10.2% +0.7pp YoY +0.1pp QoQ	-2.0pp	12.2%	12.2%	12.6%	35%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	116 +16 (+16.0%) YoY +4 (+3.6%) QoQ	+57	58	228	482	91%
Assets per Employee ($)	$5.9M -9.8% YoY -2.9% QoQ	-$1.6M	$7.5M	$8.3M	$8.8M	31%
Branch Count	14 +2 (+16.7%) YoY 0 QoQ	+9	4	10	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.6% +0.4pp YoY +0.1pp QoQ	-0.3pp	0.9%	1.1%	1.0%	59%
Allowance Coverage	2.14x -64.7% YoY -14.9% QoQ	-22.02x	24.15x	5.62x	20.23x	49%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.7% +0.1pp YoY -1.0pp QoQ	+0.5pp	12.2%	10.5%	11.6%	54%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	51%
Net Income ($, YTD)	$3.8M +22.1% YoY — QoQ	+$1.3M	$2.6M	$11.7M	$40.4M	79%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#361 of 936 • Bottom 38.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk

#269 of 661 • Bottom 40.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.17%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

289

Total Deposits

size

Value: $618.56M

Peer Median: $326.73M

#289 of 2643 Top 10.9% in $100M-$1B

343

Total Loans

size

Value: $485.16M

Peer Median: $258.35M

#343 of 2643 Top 12.9% in $100M-$1B

357

Total Assets

size

Value: $683.07M

Peer Median: $386.57M

#357 of 2643 Top 13.5% in $100M-$1B

651

Efficiency Ratio

profitability

Value: 53.57%

Peer Median: 64.48%

#651 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2309

Tier 1 Capital Ratio

capital

Value: 10.17%

Peer Median: 15.91%

#2309 of 2643 Bottom 12.7% in $100M-$1B

2083

Non-Interest-Bearing Deposit Share

funding

Value: 14.18%

Peer Median: 22.03%

#2083 of 2643 Bottom 21.2% in $100M-$1B